Manager, Payments/Scheme Economics

The role

You will manage and improve the economics of card payments, focusing on scheme fees and interchange across Visa and Mastercard. You will turn network rules and payment data into accurate configurations, analysis and decisions that improve cost visibility and margins.

What you will do

• Own payment-cost analysis across scheme fees, interchange and network rules.
• Maintain accurate fee tables, eligibility criteria and transaction-level logic with Product and Engineering.
• Build models and reporting to find margin drivers, anomalies, leakage and opportunities.
• Support cost and margin optimisation through transaction qualification, BIN routing and cost configuration.
• Strengthen governance, testing, reconciliation and controls by comparing expected and actual network charges.
• Partner with Finance, Product, Engineering, Data, Operations and external payment partners on scheme pricing and rule questions.

Required qualifications

• Experience in payments, acquiring, issuing, card networks, payment infrastructure or a related role.
• Strong knowledge of card payment economics, including Visa and Mastercard interchange, scheme fees, transaction qualification and network rules.
• Experience translating payment rules, fee schedules or network requirements into system logic, configurations and controls.
• Experience with payment-cost systems or controls, such as interchange tables, scheme fee logic and BIN-based rules.
• Strong analytical and quantitative capabilities, including transaction-level data, economic modelling and reconciliation.
• Commercial judgment and the ability to connect payment mechanics to pricing, product decisions and margin optimisation.
• Exceptional attention to detail and ownership.
• Strong cross-functional execution across Product, Engineering, Finance, Data, Operations and external partners.

Nice to have

• Experience partnering directly with Visa, Mastercard or other payment networks.
• Experience applying AI or advanced analytics to rule interpretation, anomaly detection or payment-cost optimisation.

About the company

Airwallex is an AI-native financial operating system used by more than 675,000 businesses. It was founded in Melbourne in 2015 and is co-headquartered in San Francisco and Singapore, with more than 2,700 people across 27 offices.